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Help Center

Can't find the answer you're looking for below? Give us a call at 888-547-6541 or shoot us an email to info@bankofmissouri.com and we'll do our very best to help you.

General Questions

What is the bank's routing number?

081903867

What is the telephone Anytime Account Access number?

(888) 627-6799

What are the bank's cutoff times?

All deposits made in person with a Bank of Missouri associate are processed on the business day on which they are received.  However, deposits received on Saturday or on a day we are not open will be processed the following business day. In determining availability of your deposits, a business day is every day except Saturdays, Sundays and federal holidays.

The cutoff time for all deposits received through a Bank of Missouri ATM is 2:30 p.m., Monday through Friday.

Home equity loan payments, overdraft protection payments and consumer home loan payments will be posted the same business day, Monday-Saturday, provided they are made in person with a bank associate. All other loan payments will similarly be posted the same day, with the exception of payments made on Saturday not being posted until the following Monday.

Electronic transactions conducted via our Online Banking session have a cutoff time of 7:00 p.m. Monday through Friday. Transactions conducted via a Bank of Missouri ATM have a cutoff time of 2:30 p.m. Monday through Friday.  No internet banking or ATM transactions are processed on Saturdays, Sundays or legal holidays.  Transactions made on these days will be processed on the following processing day.

For questions please call 888-547-6541 or email us at info@bankofmissouri.com

What are the bank's legal holidays when it will be closed?

2016 Legal Holiday Schedule

All Bank of Missouri locations will be closed on the following dates in 2016 in observance of legal holidays. Please use your internet banking account or our 24-hour telephone banking system to check balances, transfer funds or pay bills. Thank you.

 

Jan. 18 Monday/Martin Luther King Jr. Day
Feb. 15 Monday/President's Day
May 30 Monday/Memorial Day
July 4 Monday/Independence Day
Sept. 5 Monday/Labor Day
Oct. 10 Monday/Columbus Day
Nov. 11 Friday/Veterans Day
Nov. 24 Thursday/Thanksgiving Day
Dec. 26 Monday/Christmas Day Observed
Jan. 2, 2017 Monday/New Year's Day Observed

Is there any way to deposit money after hours besides the ATM?

All locations have a night drop box for your convenience.

 

Online Banking Questions

Do I have to register to use Online Banking?

Yes. You can Enroll Online or in person at any Bank of Missouri location.

How secure is Online Banking?

State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted and access requires passwords that only you know. In addition, your account numbers, social security numbers, and tax ID numbers are never displayed on the Online Banking system. However, if you feel your information has been jeopardized in any way, please contact your local branch immediately.

What happens if I forget or lose my ID or PIN?

You may call our Information Center at 888-547-6541 and, with proper verification, your ID or PIN will be restored or reset. 

What if I forget my password?

For your convenience, we offer a self-reset option. Please note, after three unsuccessful login attempts, your account will be locked and you will need to contact our Information Center at 888-547-6541.

To use self-reset, you must first provide a security personal question and answer. You will be prompted occasionally in online banking to submit this information. You may also sign-up anytime by following the steps below.

1. Log into your Online Banking account and go to "Options".

2. Under "Options," set your personal question and answer.

3. Click "Submit."

Now you are ready to self-reset when needed. You will need your online banking ID or user ID, the answer to your security question and access to the email address on file.

After you click "Reset Password," you will provide your online banking ID or user ID, your email address as it is on file with your online banking account, and a subject line you will set. This subject line can be anything and is for your security, so you will know the email you are receiving to reset your password is legitimate. After clicking "submit," if your ID and your email address are correct and match what we have on file, you will receive an email asking you to click the link in the message. After clicking the link, you will enter your online banking ID and the answer to the security question you set up. By answering both of those correctly with what we have on file and clicking "submit," you will then be able to reset your password. If you have not set up this security feature prior to locking your account, you will need to contact us at 888-547-6541 for assistance in unlocking your account.

What happens if I don't log off the the system?

Online Banking has a 10-minute time-out feature. If the system has been inactive for over 10 minutes, the user will be required to re-enter their ID and PIN.

Can I download and export my transactions?

From the transaction view in online banking, you may click the "download" tab to download your transactions into spreadsheet or program, such as Microsoft Money and Quicken.

When viewing my current transactions, why do I see electronic transactions and online transfers duplicated?

You may see the electronic transactions, which include Online Banking transfers, twice during the bank's "end of day processing". End of day processing is required for your transactions to be updated. This process begins each banking evening and lasts several hours. The duplicate transactions will disappear at the end of the processing day.

How long are statements retained?

Eighteen (18) months. However, you may download your statements to your personal computer for your own records.

Can I get a copy of a cancelled check?

You can view and print copies of your cancelled checks up to 90 days at your own computer at no additional cost to you. You may request a copy through Customer Service, however, there may be a fee associated with this service.

 

BillPay Questions

Whom can I pay through BillPay?

You can pay anyone in the United States, from the next door neighbor, to the utility company, and even a child in college across the country. The Payments screen will show you which payees are electronic or check.

When will the money be taken out of my account?

Electronic payments are deducted from your account on the payment date. Payments made by check will be deducted from your account when the draft reaches our bank, the same as if you had written the check yourself.

What if I do not have enough money in my account?

Electronic bill payments will be attempted at 7:00 a.m. and 2:00 p.m. for up to two days until funds are available to create the transaction. BillPay by check will be handled as your other checks are.

How late in the day can I enter, edit, or delete a payment?

Bill Payments are processed at 7:00 a.m. CST and 2:00 p.m. CST on the scheduled payment date. Payments entered after 2:00 p.m. will be processed the following day. Any new payments scheduled over the weekend, for that current weekend, will be processed on Monday. Payments are not processed on holidays. You may choose the day before or the day after the holiday for processing. A payment can be edited or deleted at any time as long as it not been processed yet and is still shown in "Pending" status.

Can I stop a payment?

If the system has not SENT the payment and the payment is in "Pending" status, an electronic payment can deleted. If the system sent the payment already, an electronic payment cannot be stopped. A check can be stopped by placing a stop payment on the item by selecting the pending payment. A fee will apply.

Can I use BillPay if I live outside the United States?

Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.

How long is payment history retained?

18 months.

How many payees may I have set up?

There is no limit to the amount of payees you can set up through the system.

What are the technical requirements to use BillPay?

Using the most current version of your internet browser will provide the best experience. Previous versions may only allow limited functionality. Internet Explorer® 8, 9, and 10 are not supported.

 

Mobile Banking Questions

What is Mobile Banking?

Mobile banking is a service that allows bank customers to use a mobile device to initiate routine transactions and perform account research anytime, from anywhere. Customers can view account balances and transaction history, view account alerts, initiate account transfers and pay bills. Our mobile banking service supports all account types including checking, certificates of deposit, money markets, loans and lines of credit. Mobile banking is a FREE* service that allows you access your accounts anytime, using a mobile device.

*There is no fee from The Bank of Missouri. Connectivity and usage rates may apply. Contact wireless service provider for details..

What is the Mobile Web?

The mobile web simply refers to web content accessed via an internet browser on a smartphone or other web-enabled mobile device. This requires a smartphone or other mobile device that has internet capability. The Bank of Missouri's mobile web banking solution can be accessed from any device with a web browser that allows secure SSL traffic. This is because (just like Online Banking) mobile banking is an internet site.

In order to use mobile banking, go to https://www.airteller.com/fi6145 with your phone’s web browser. If you are not enrolled in mobile banking, follow the steps presented to you. If you are already enrolled, you are all set to go.

What is the SMS Text Banking Service?

The Bank of Missouri's SMS/Text Banking is available through any mobile device with a supported carrier that can send or receive text messages. Your mobile device does NOT have to be a smartphone. However, you must be signed up for text mobile banking through your Online Banking account first in order to send and receive text alerts. Learn more about text banking by logging into your Online Banking account and clicking on "Options" > "Mobile Settings" > "Text Mobile Settings."

How do I enroll for mobile banking?

New Mobile Self-Enrollment Feature!  Now, signing up for mobile banking is easier than ever. Simply follow the instructions for self-enrollment after signing into your mobile banking app or mobile web banking session with your normal Online Banking ID and password.

OR follow the instructions below to enroll from within your desktop Online Banking session:

Mobile Web

1) Log in to Online Banking at www.bankofmissouri.com
2) Click on the “Options” tab and then click on “Mobile Settings”
3) Check the box next to “Enable web access for your mobile device”
4) Select the accounts you want to access from your phone (you may choose one or all of your accounts and you can edit this selection at any time).
5) Enter your mobile phone number (Required).
6) Select your wireless provider from the drop-down menu (Required.) Note: If you are a Cingular user that merged into AT&T, please select “Cingular” from the drop-down menu as your carrier.
7) Review the Mobile Banking Agreement and click “I Agree”. An SMS text message with enrollment confirmation will be sent to your phone following completion of the Mobile Settings.

SMS/Text Banking

1) Log in to Online Banking at www.bankofmissouri.com
2) Click on the “Options” tab and then click on “Mobile Settings”
3) Click on “Text Mobile Settings”
4) Check the box next to “Enable text access for your mobile device”
5) Enter your mobile phone number (Required).
6) Select the accounts you want to access from your phone (you may choose one or all of your accounts and you can edit this selection at any time).
7) Select your wireless provider from the drop-down menu (Required.) Note: If you are a Cingular user that merged into AT&T, please select “Cingular” from the drop-down menu as your carrier.
8) Review the Mobile Banking Agreement and click “I Agree”. An SMS text message with enrollment confirmation will be sent to your phone following completion of the Mobile Settings.


iPhone and iPad Apps

Download the app from iTunes OR

  • Click on the “App Store” icon on your iPhone or iPad and search for “The Bank of Missouri.”
  • Touch the icon beside the app
  • Download the app by hitting the “Free” button in the upper right-hand corner
  • Hit the “Install” button and then enter your iTunes account password (you must have an iTunes account already setup before you will be able to download the app)
Android App - Must first complete the steps above for "Mobile Web"

Download the app from Google Play  OR

  • Click on the “Market” icon on your Android
  • Search for “The Bank of Missouri”
  • Touch the icon beside the app
  • Download the app by hitting the “Install” button in the upper right-hand corner


(Note: If you encounter an error that says “Network Error....” this means that your internet connection might be too slow or not connected at all. Try re-starting the phone, or moving to an area where your phone receives a better signal.).

Note: Steps for signing up are identical for iPhone/iPad and Android apps with the exception of where the app is downloaded from in Step 2.

How do I view alerts in mobile banking?

Select "Alerts" from the Main Menu.

Note: The "Alerts" option only displays if you have alerts to view.

How do I transfer funds in mobile banking?

  • Select "Transfers" from the Main Menu.
  • Choose the account to transfer funds from.
  • Choose the account to transfer funds to.
  • Enter amounts in the dollars and cents fields and select Submit.
  • An indicator that the transaction is sending displays.
  • A confirmation message and number display after the transfer is complete.
  • An SMS Text Message will be sent to confirm the transfer.

Note: You can only set up one-time immediate transfers via mobile banking. Please login to your normal online banking account to set up recurring automatic transfers.

How do I pay bills in mobile banking?

  • Select "Pay Bills" from the Main Menu.
  • Select the Payee.
  • Select the pay-from account and continue to the next screen.
  • Enter amounts in the dollars and cents fields and select Submit.
  • An indicator that the bill payment is sending displays.
  • A confirmation message and number display after the bill payment is complete.
  • An SMS Text Message will be sent to confirm the transfer.

Note: You can only set up one-time immediate bill payments via mobile banking. Payments will process during the next bill pay processing time. Please login to your normal online banking account to create a new payee or to schedule recurring bill payments.

What are the types of mobile devices that can be used to access accounts?

The Bank of Missouri's mobile banking service requires a smartphone or other mobile device that has internet capability, unless you are only using the text/SMS service. The Bank of Missouri's mobile web banking solution can be accessed from any device with a web browser that allows secure SSL traffic. The text/SMS service will work with any mobile device with any carrier that can send or receive text messages.

What functions can I perform from my mobile device?

You can view account balances and transaction history, view account alerts, initiate account transfers and pay bills. You can also find the nearest Bank of Missouri location or ATM by using the "Locations" feature from the mobile banking site or your iPhone/iPad or Android app.

How do I use Touch ID™ in Bank of Missouri iPhone® and iPad® apps?

Touch ID allows you to log in with your fingerprint rather than using your user ID and password. You must have an iOS device that supports biometrics (iPhone 5s and newer, iPad Air 2 and newer, iPad Mini 3 and newer).

If you have not already done so, you will need to enable Touch ID on your device first by going to Settings and selecting Touch ID & Passcode. Next, enable Touch ID and add fingerprints. All fingerprints stored on your device for Touch ID will be able to access your Touch ID enabled banking account.

When opening The Bank of Missouri iPhone or iPad app, you will be prompted to enable Touch ID use within the app. If you do not receive the prompt, you may need to update to the newest version of the app. Note: If you click "not now" at the prompt, you can enable later by going to the Preferences menu within the app and toggling Touch ID to the "on" position.

What if I no longer want to be a mobile user?

To un-enroll from mobile banking please log into your online banking account and click on Options>Mobile Settings. Then uncheck the box next to "Enable web access for your mobile device."

What happens if I lose my mobile device?

Cancel mobile banking or text banking immediately by contacting us one of two ways:
  • Call Customer Service at 1.888.547.6541
  • Sign in to Online Banking and go to the Options tab, select the Mobile Settings section, then uncheck the box next to "Enable web access for your mobile device."

If you find your mobile device later, you can re-enroll that same mobile number.

Why can't I add a new payee?

You can only set up one-time immediate bill payments via mobile banking. Payments will process during the next bill pay processing time. Please login to your normal online banking account to create a new payee or to schedule recurring bill payments.

How do I know if my transfer or bill payment was entered successfully?

You will receive a text message confirmation of your transfer or bill payment to the number that is enrolled with mobile banking. You may also log in to your online banking account and view your history under Transfers/Loan Payments or under the Bill Pay section to confirm that it was successful. If you do not see your transfer or bill payment in your history, please contact us at 1-888-547-6541 or email us at info@bankofmissouri.com.

What do I need to do if I get a new phone?

If you get a new phone number, you will need to log in to your online banking account, click on Options>Mobile Settings and change the information to match the number of your new mobile phone. If you only got a new mobile device, but kept the same phone number, you do not need to change any of your information. However, you will need to re-download The Bank of Missouri's mobile banking app to your new phone if you have an iPhone or Android device.

I have downloaded the app but cannot get it to work. What should I do?

Try deleting the app from your device and re-download it.

How do I delete a Bill Payment that I set up through my mobile device?

This can only be done through your regular desktop online banking session.

Is there a charge for mobile banking services?

There is no charge from The Bank of Missouri for any of our mobile banking services. However, connectivity and usage rates may apply. Please check with your wireless provider for details.

What is the bank's short code for text/SMS banking?

89549

What are the text commands for text/SMS banking?

Text Commands

Bal=All Acct Bal

Bal Acct Name=Single Acct Bal

Hist=All Accts Recent Activity

Hist Acct Name=Single Acct Activity

Help=Commands

Stop=Cancel

 

Debit Card Questions

How do I activate my new debit card?

When you receive your new ATM/Debit Card and PIN, the card must be activated before it can be used.  You may activate the card in one of five ways:

  • Through any Bank of Missouri ATM by doing a balance inquiry
  • Through Anytime Access (telephone banking) by following the prompts (1-888-627-6799)
  • Through a merchant by conducting a PIN-based transaction (enter your PIN instead of using your signature).
  • Through the card management feature in the iPhone, iPad or Android mobile banking apps.
  • Through Online Banking by following these instructions:
    • Click on "Options"
    • Click "ATM/Debit Cards"
      • A list of debit cards (last 4 digits) and the account(s) associated with each will appear
      • Locate the appropriate card number to activate
      • If the Status column states, “In Process Card Order,” click on the “Activate Box”
      • Click <Submit>
      • The following message will appear, “You have requested the following ATM/Debit updates.  These updates will take several minutes to complete.”
        • The screen will display the last four digits of card, the activation status and account names
      • Click on <Continue> to complete the card activation
      • The system will return to the ATM/Debit Card screen and the Status should be Active.

If you receive a new card, but cannot wait for the PIN to arrive (in a few days), the card may be used for signature-based transactions only.  The card will still need to be activated prior to use:

  • Through Anytime Access (telephone banking) by following the prompts (1-888-627-6799)
  • Through Online Banking by following the instructions above

When the PIN is eventually received, you must activate the PIN:

  • Through any Bank of Missouri ATM by doing a balance inquiry
  • Through a merchant by conducting a PIN-based transaction (enter your PIN instead of using your signature).

How do I change my PIN?

A PIN (Personal Identification Number) is required to use an ATM/Debit Card at the ATM or at a merchant for a PIN-based transaction.  PINs are automatically generated when you order a new card, but they are mailed separately.  You will receive the new card and the PIN arrives within a few days.

Changing a PIN

You may change your PIN to a personalized number at any Bank of Missouri ATM by following these steps:

  • Insert the card into the ATM
  • Enter the PIN that was originally assigned to the card
  • Select the "Deposits/Other" option
  • Select the "Other" option
  • Select the "Change PIN" option
  • Enter a personalized 4-digit PIN
  • Re-enter the new 4-digit PIN
  • You are encouraged to do a balance inquiry before leaving to ensure the PIN was changed.

What is MasterCard SecureCode?

The bank has partnered with MasterCard to provide you MasterCard SecureCode™.  This added security feature is automatically provided to customers who have The Bank of Missouri debit card and use their card to make purchases online.

  • Free added security feature
  • It can only be used for online purchases
  • You must use your Bank of Missouri debit card(s) for payment to receive this security feature
  • The online provider must be a MasterCard®SecureCode™ merchant to get the security feature

Low Risk Transactions

Each online transaction made with your Bank of Missouri debit card(s) on a participating merchant site is automatically assessed. Low risk transactions, which make up the large majority of all transactions, will pass through the assessment process with no additional steps on your part.

High Risk Transactions

For high risk transactions, a small minority of all transactions, you will be prompted to answer challenge questions. After three incorrect attempts, the card is suspended for one hour. The cardholder must wait one hour before attempting the transaction again. If the cardholder enters the incorrect responses three more times (six total), the authentication process is locked and the cardholder will not be able to perform any internet purchases until the card is unlocked. If your account is locked or you experience other difficulties during the authentication process, please contact The Bank of Missouri for assistance at 1-888-547-6541.

Very High Risk Transactions

In extremely rare cases, a transaction may be deemed a very high risk transaction. Examples would be transactions from certain high risk countries or regions. In these cases, MasterCard SecureCode protects you by declining the transaction. In this case, you will need to contact The Bank of Missouri with the decline code message you received during the attempted transaction. Again, these instances are very rare and remember that a merchant must participate in order for you to receive this security feature.

How do I report my debit card lost or stolen?

Within Online Banking:

1. Login to online banking
2. Click on the "Options" tab
3. Click "ATM/Debit Card"
   o A list of debit cards (last 4 digits) and the account(s) associated with each will appear
   o Locate the appropriate card number   
   o Check the box in the Lost/Stolen column

Within iPhone, iPad, and Android Apps

1. Login to the app

2. Click “Manage Cards” from the slide out menu

3. Select the card you need to manage

4. Click “Report Lost or Stolen.” The "Suspend Card" option allows you to temporarily stop use of your card. This can be helpful if your card is missing, but you are not sure it is lost or stolen.

By phone:

You may report your debit card lost or stolen by calling our Information Center at 888-547-6541.  To deactivate your card without reporting it lost or stolen, please call our Information Center.